Mo. Rev. Stat. § 443.921: Definitions.

For purposes of sections 443.920 to 443.925, the following terms mean:

(1) "Electronic" , relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities;

(2) "Financial covenant" , an undertaking to demonstrate an obligor's creditworthiness, or the adequacy of security provided by an obligor;

(3) "Modification" , includes any change, amendment, revision, correction, addition, supplementation, elimination, waiver, and restatement;

(4) "Mortgage" :

(a) An agreement that creates a consensual interest in real property to secure payment or performance of an obligation, regardless of:

a. How the agreement is denominated, including a mortgage, deed of trust, trust deed, security deed, indenture, and deed to secure debt; and

b. Whether the agreement also creates a security interest in personal property; and

(b) Does not include an agreement that creates a consensual interest to secure a liability owed by a unit owner to a condominium association, owners' association, or cooperative housing association for association dues, fees, or assessments;

(5) "Mortgage modification" , modification of:

(a) A mortgage;

(b) An agreement that creates an obligation, including a promissory note, loan agreement, or credit agreement; or

(c) An agreement that creates other security or credit enhancement for an obligation, including an assignment of leases or rents or a guaranty;

(6) "Obligation" , a debt, duty, or other liability, secured by a mortgage;

(7) "Obligor" , a person that:

(a) Owes payment or performance of an obligation;

(b) Signs a mortgage; or

(c) Is otherwise accountable, or whose property serves as collateral, for payment or performance of an obligation;

(8) "Person" , an individual, estate, business or nonprofit entity, government or governmental subdivision, agency, or instrumentality, or other legal entity;

(9) "Recognized index" , an index to which changes in the interest rate may be linked that is:

(a) Readily available to, and verifiable by, the obligor; and

(b) Beyond the control of the person to whom the obligation is owed;

(10) "Record" , used as a noun, means information:

(a) Inscribed on a tangible medium; or

(b) Stored in an electronic or other medium and retrievable in perceivable form;

(11) "Sign" , with present intent to authenticate or adopt a record:

(a) Execute or adopt a tangible symbol; or

(b) Attach to or logically associate with the record an electronic symbol, sound, or process.